Published Paper Details:

Regional rural Banks plays an important role in the agriculture and rural development of Gujarat and Maharashtra. The RRBs have more reached by its network in rural areas of Gujarat and Maharashtra. Their level of financial stability is a key factor in the success of rural finance in Gujarat and Maharashtra. RRBs are a crucial source of finance for rural regions, and they are in charge of providing different sorts of agriculture credit in rural areas with the loans they require. The majority of regional rural banks are now dealing with issues including past due, recovery, non-performing assets, and other issues. There are two RRBs in Gujarat and Maharashtra. Therefore, it is necessary to comparative study of RRBs in Gujarat and Maharashtra. This paper attempts to analyze the comparison of non-performing asset of RRBs in Gujarat and Maharashtra as on 31st March 2022. The study is based on secondary data collected with the help of annual reports of NABARD, RBI and RRBs. In the current study, an analytical research design of Key Performance Indicators Analysis was used to measure variables such the number of districts and branches covered, deposits, loans, investments, recovery, and productivity. According to the report, Baroda Gujarat Gramin Bank (BGGB) has Gujarat's largest branch network and district coverage compared to Saurashtra Gramin Bank, and Baroda Gujarat Gramin Bank (BGGB) has a higher productivity. In Maharashtra the Maharashtra Gramin Bank (MGB) is the largest branch network and district coverage but the productivity of Vidharbha Konkan Gramin Bank VKGB is low in comparison of Maharashtra Gramin Bank (MGB).